{"id":6831,"date":"2022-10-14T08:42:00","date_gmt":"2022-10-14T06:42:00","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/.html"},"modified":"2022-10-10T11:09:22","modified_gmt":"2022-10-10T09:09:22","slug":"conseils-pour-reussir-un-investissement-locatif-en-2022","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/conseils-pour-reussir-un-investissement-locatif-en-2022.html","title":{"rendered":"Conseils pour r\u00e9ussir un investissement locatif en 2022"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Le march\u00e9 immobilier est confront\u00e9 \u00e0 de nouveaux enjeux entre le pic inflationniste, la hausse des taux et les conditions strictes d\u2019acc\u00e8s au cr\u00e9dit. Dans ce contexte, la pierre reste pourtant un choix rentable et tr\u00e8s pris\u00e9 \u00e0 condition de saisir les bonnes opportunit\u00e9s d\u2019investissement locatif.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>L\u2019investissement locatif confront\u00e9 \u00e0 l\u2019inflation<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019immobilier reste une valeur refuge en 2022. Une valeur qui se rench\u00e9rit toutefois avec une inflation qui s\u2019\u00e9l\u00e8ve \u00e0 plus de 5 % en moyenne en France, selon les estimations de l\u2019Insee. Pour percevoir des revenus compl\u00e9mentaires \u00e0 la retraite et se constituer un patrimoine, de nombreux Fran\u00e7ais cherchent \u00e0 acheter un logement \u00e0 louer, dans l\u2019ancien ou le neuf. Certains ciblent le logement \u00e9tudiant, d\u2019autres s\u2019int\u00e9ressent aux soci\u00e9t\u00e9s civiles de placement immobilier (SCPI) ou encore au crowdfunding immobilier. L\u2019activit\u00e9 de l\u2019investissement locatif doit faire face \u00e0 une nouvelle donne apr\u00e8s avoir connu des conditions de cr\u00e9dit exceptionnelles avec des taux d\u2019int\u00e9r\u00eat au plancher pendant une longue p\u00e9riode. \u00c0 cela, les investisseurs pouvaient ajouter les avantages fiscaux accord\u00e9s par certains dispositifs comme <strong>le Pinel dans le neuf ou le Denormandie dans l\u2019ancien<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Investir en locatif, la nouvelle donne<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ces derniers mois, les r\u00e8gles du jeu ne sont plus vraiment les m\u00eames et les \u00e9pargnants doivent s\u2019adapter. Au-del\u00e0 de la pression inflationniste et de la hausse continue des taux qui freinent l\u2019acc\u00e8s au cr\u00e9dit, les investisseurs locatifs sont confront\u00e9s aux normes plus strictes et \u00e0 la crise des mat\u00e9riaux. Si l\u2019investissement locatif reste une op\u00e9ration qui reste attractive, les candidats doivent rester vigilants pour continuer \u00e0 b\u00e9n\u00e9ficier de rendements substantiels. \u00c0 titre d\u2019exemple, le crowdfunding immobilier, qui reste un placement de niche consistant \u00e0 pr\u00eater des fonds \u00e0 des promoteurs, permet de <strong>g\u00e9n\u00e9rer un rendement moyen de 8 \u00e0 9 %.<\/strong> Attention toutefois, l\u2019investisseur doit prendre en compte l\u2019impact de la crise des mat\u00e9riaux et de l\u2019\u00e9nergie. En effet, on observe sur le march\u00e9 un allongement des d\u00e9lais d\u2019approvisionnement et des lancements de programmes qui s\u2019\u00e9rodent.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>R\u00e9aliser en investissement en locatif en 2023<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">En ce qui concerne les SCPI, il faut savoir que les rendements sont aujourd\u2019hui retomb\u00e9s autour de 4 %. Un niveau de rentabilit\u00e9 qui reste correct m\u00eame s\u2019il ne permet pas de compenser compl\u00e8tement l\u2019inflation. Pour les investisseurs qui cherchent plus de rendement, il reste la logistique, la sant\u00e9 ou les locaux d\u2019activit\u00e9s. Comme l\u2019explique Paul Bourdois, pr\u00e9sident de France SCPI : <em>\u00ab\u2009Les investisseurs doivent se diversifier pour pr\u00e9server leurs \u00e9conomies\u2009\u00bb<\/em>. Pour \u00e9quilibrer gain et risque, <strong>le projet d\u2019investissement locatif doit avant tout \u00eatre bien pr\u00e9par\u00e9<\/strong>. Si la d\u00e9finition du projet est importante, la question du financement l\u2019est \u00e9galement. Une fois les simulateurs en ligne utilis\u00e9s et la capacit\u00e9 d\u2019emprunt v\u00e9rifi\u00e9e, l\u2019appui d\u2019un courtier peut se r\u00e9v\u00e9ler judicieux. Ce professionnel construit un plan de financement sur mesure adapt\u00e9 au projet d\u2019investissement locatif de son client et trouve une solution aux meilleures conditions.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Le march\u00e9 immobilier est confront\u00e9 \u00e0 de nouveaux enjeux entre le pic inflationniste, la hausse des taux et les conditions strictes d\u2019acc\u00e8s au cr\u00e9dit. Dans ce contexte, [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":5506,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-6831","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Conseils pour r\u00e9ussir un investissement locatif en 2022 - Ace Cr\u00e9dit<\/title>\n<meta name=\"description\" content=\"Conseils pour investir en locatif face \u00e0 la nouvelle donne d\u2019un march\u00e9 contraint par la hausse des taux, l&#039;inflation et des normes plus strictes.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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